# Saint Lucia — payment codes and schemes

> Source: https://docs.barcoder.ai/docs/payments/LC
> extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

## Summary

- **DCash** ECCB CBDC with QR
- **Pilot ended** January 2024
- **DCash 2.0** planned 2026
- **Tourism hub** major economy
- **ECCB HQ** nearby Basseterre

## Banking landscape

### Central Bank
- **Name:** Eastern Caribbean Central Bank (ECCB)
- **Website:** https://www.eccb-centralbank.org/
- **Role:** Monetary policy for ECCU

### Major Banks (2024)

| Rank | Bank Name | Type | Digital Platform |
|------|-----------|------|------------------|
| 1 | Bank of Saint Lucia | Local | BOSL Mobile |
| 2 | First Caribbean | Regional | CIBC App |
| 3 | Republic Bank | Regional | Republic Mobile |
| 4 | 1st National Bank | Local | 1NB Mobile |
| 5 | Bank of Nova Scotia | International | Scotia App |

### Market Structure
- **ECCB:** Regional central bank
- **DCash:** CBDC implementation
- **Tourism:** Major sector
- **Bananas:** Traditional export

---

## Payment infrastructure

### National Payment Systems

| System | Operator | Type | Status |
|--------|----------|------|--------|
| DCash | ECCB | CBDC | Pilot ended |
| Bank transfers | Banks | Wire | Active |
| Card networks | Visa/MC | Cards | Active |
| ACH | ECCB | Clearing | Active |

### DCash CBDC
- Eastern Caribbean Central Bank
- QR code payments
- P2P, P2B, B2B
- Pilot ended January 2024
- DCash 2.0 planned 2026

### Tourism Economy
- Major cruise destination
- Resort payments
- Digital adoption need
- Visitor convenience

---

## QR code standards

### DCash QR

| Attribute | Value |
|-----------|-------|
| **Provider** | ECCB |
| **Type** | CBDC |
| **Feature** | Scan to pay |
| **Status** | Ended Jan 2024 |

### DCash QR Features
- QR code scanning
- Instant settlement
- Zero transaction fees
- Mobile wallet based
- Cross-border ECCU

### Bank of Saint Lucia
- BOSL Mobile app
- Digital banking
- Card services
- Growing digital

---

## Mobile payment apps

| App | Provider | QR | Features |
|-----|----------|-------|----------|
| DCash | ECCB | Yes | CBDC wallet |
| BOSL Mobile | Bank of SL | Limited | Banking |
| Bank Apps | Various | Limited | Services |

### DCash Wallet Features
- P2P transfers
- Merchant payments
- QR scanning
- No bank account needed
- Free transactions

### Digital Banking Growth
- Mobile adoption rising
- Internet banking
- Card usage growing
- ATM network

---

## Schemes

| Scheme | Type | Symbology | Adoption | Technical standard |
|---|---|---|---|---|
| [DCash QR](https://docs.barcoder.ai/docs/payments/LC/dcash-qr) | CBDC | ECCB | Ended | [`dcash`](https://docs.barcoder.ai/docs/standards/dcash) |
| [Bank transfers](https://docs.barcoder.ai/docs/payments/LC/bank-transfers) | Wire | SWIFT | Active | — |

## Sources

- [ECCB - DCash](https://www.eccb-centralbank.org/p/about-dcash)
- [Atlantic Council - DCash Tracker](https://www.atlanticcouncil.org/cbdctracker/)
- [Bank of Saint Lucia](https://www.bankofsaintlucia.com/)
- [1st National Bank](https://www.1stnationalbankslu.com/)

## Full country report

[LC-saint-lucia.md](https://docs.barcoder.ai/docs/payments/LC)